Tools & Resources

Tools & Resources

Loan Agreement for Small Business Clients (JSC MFO Crystal)

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JSC Microfinance Organization Crystal, Georgia shared its plain language loan contract with The Smart Campaign.  This contract is used with clients seeking small businesses credit. The contract is succinct, written in plain language, and uses very little jargon.

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Loan Contract Summary Handout (Mibanco)

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Mibanco also provides clients with a loan contract summary so that clients can easily and efficiently understand the most pertinent points of their full loan contracts. Mibanco uses this tool to verbally review the contract highlights, including the loan information, insurance costs/benefits, early repayment fees, and obligations of the guarantors.

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Smart Note: Appropriate Product Design and Delivery at Musoni

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Musoni_logoMusoni is a microfinance institution using mobile technology to deliver convenient, flexible, and reliable loans to low-income people in Kenya (and other East African countries in the future). Musoni’s products are designed based on the needs and preferences of their clients.

The Smart Campaign’s Client Protection Principle Appropriate Product Design and Delivery, states that institutions should design products and delivery channels in such a way that they do not cause clients harm, and with client characteristics taken into account.

Musoni’s approach to product design can serve as an “excellent practice” example to other institutions. Musoni staff discussed the institution’s product design and delivery with the Smart Campaign, revealing five primary lessons from the field, presented in this Smart Note.

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Collecting and Using Exit Survey Data

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This tool discusses how financial institutions (FIs) can design exit survey tools, collect exit data, and use them for designing and improving products and services. It explains a five-step process for developing, introducing, and using an exit survey. FIs with existing exit surveys can use the tool to rethink and strengthen their current tool. Those without an existing tool can use it to understand their options and design a tool. 
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Refinancing Policy – FUBODE

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One document that called our attention was FUBODE’s rescheduling and refinancing policy, one that many MFIs lack. FUBODE Kindly agreed to share their policy with the industry so as to foment best practices.  This document should be used as a starting point for any MFI who wants to improve their restructuring and rescheduling policies as per the Smart Campaign Principles.

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Smart Campaign Tools Training

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The Smart Campaign has developed dozens of tools to assist microfinance institutions (MFIs), investors, and networks/associations in the implementation of client protection. This PowerPoint training introduces participants to the client protection tools available from the Smart Campaign.

The training discusses two “entry points” for using Smart Campaign tools: 1) As part of a client protection strategy, and 2) As a solution to a specific problem. Participants review examples of each entry point, and learn about tools that can assist them during any step of client protection implementation.

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